Banking and Payments

Our Banking and Payment Systems practice advises financial institutions, technology companies, payment institutions, and other participants in the regulated market on strategic, regulatory, and transactional matters. We handle mergers and acquisitions (M&A), the contracting and management of service providers, analysis and adaptation of banking products, and assessment of risks and liabilities associated with the activities carried out, always in accordance with applicable legislation and the rules of the Central Bank of Brazil.

Another key area of our team’s practice is comprehensive support for authorization applications, the establishment of financial institutions, the creation of credit companies (SCDs and SEPs), and the development of payment solutions, including electronic money issuers and payment initiators service providers.

With experience in complex regulatory and transactional matters, we offer robust support in liability analysis, regulatory compliance, structural adjustments, and the implementation of new products and services. We work in a multidisciplinary manner with other practices at Lobo de Rizzo, ensuring an integrated approach to clients’ operations in regulated financial environments.

We combine deep technical knowledge, industry experience, and regulatory navigation capabilities to support our clients in operations and strategy.

Services

Regulated Mergers and Acquisitions (M&A)
Advice on transactions involving financial institutions and payment service providers.

with service providers agreements
Drafting and reviewing agreements and related documentation essential to the operation of financial products.

Analysis and adaptation of banking products
Assessment of risks, liabilities, and regulatory compliance of solutions offered to the market.

Structuring of financial institutions
Legal assistance from the conception of the model through to incorporation and compliance with applicable requirements.

Authorizations with the Central Bank
Handling authorization processes for financial institutions and payment institutions.

Establishment of credit companies (SCDs and SEPs)
Comprehensive legal assistance for structuring, documentation, and regulatory filings.

Payment institutions and arrangements
Structuring and necessary adjustments for electronic money issuers and payment initiation service providers.

Regulation of payment methods
Analysis of activities, products, operational models, and compliance with applicable regulations.

Payment ecosystem documentation and  agreementsDrafting of the instruments necessary for business development and operations.

Regulatory adjustments and risk analysis
Identification of legal risks and guidance on operational adjustments in accordance with regulatory requirements.

Awards

• Chambers Brazil – Transactional​

• Chambers Global​

• Legal 500 Latin America​

• Latin Lawyer 250​

• IFLR1000​

• Leaders League